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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,731 | $81,358-85.6% | $155,556-92.5% | $80,959-85.5% |
| Participation rate | 55.6% | 66.3%-10.7pp | 78.2%-22.7pp | 67.7%-12.1pp |
| Annual return | 20.22% | 33.39%-13.2pp | 64.84%-44.6pp | 35.67%-15.4pp |
| Employer contribution / active EE | $888 | $3,106-71.4% | $4,675-81.0% | $2,757-67.8% |
| Participant deferral / active EE | $2,144 | $3,455-37.9% | $5,631-61.9% | $4,300-50.1% |
| Admin fee / account holder | $644 | $7,994-91.9% | $15,885-95.9% | $6,925-90.7% |